At Knifong Insurance Agency, we recognize that farm and ranch owners have a unique way of life which requires unique insurance needs. Our goal is to provide you with a farm insurance policy that has all the coverage you need to protect your business, home, and lifestyle. Cheyenne farm insurance can include coverage for dwellings, farm equipment and machinery, livestock, vehicles, and more.
Farm insurance can be tailored to meet the needs of any farming operation. Whether you are operating a large-scale farm, or running a small family farm, we can customize a policy to protect you from any risks you may face. Let’s look at some of the most common farm insurance coverages.
Cheyenne Farm Insurance Coverages
Farm Dwelling Coverage
For many individuals or families, a farm is more than just a business. It can be your home as well. Farm dwelling coverage is available to protect your home and your belongings from damaging weather-related events including lightning, hail, and severe wind. Your policy may also include coverage for fire, theft, and vandalism.
Other Farm Structure Coverage
Most farms will include several additional structures that are separate from your home. Barns, sheds, silos, fences, portable structures, and more may be covered under a standard farm insurance policy. Our team of farm insurance experts can help you select a policy that provides adequate coverage for each of the structures found on your farm.
Farm Liability Coverage
Accidents happen all the time on farms and as the farm owner, you may be responsible for any injuries or damages that occur. In the event an accident does occur on your property and you are legally responsible, you do not want to put your farm or business in jeopardy. Liability coverage will take care of protecting you against accidental bodily injury, medical expenses, or property damage. Some farmers may want to consider additional liability coverage such as fire liability, hunting or fishing liability, and more.
Farm Personal Property
Machinery, irrigation equipment, livestock, and feed are vital to the successful operation of many farms. Protecting these items from loss or damage is essential to keeping your farm operating. You can choose to cover all property under a Blanket Coverage policy or you may select individual items to be covered by taking advantage of a Scheduled Coverage policy. Our team at Knifong Insurance Agency can help you determine which option will be best suited for your unique farm.
These are some of the most common policy components however as with any type of insurance, many types of additional coverage are available to those who need a broad range of protection. There are a number of optional policy additions that you may wish to include in your farm policy. Some of the many additions include coverage for:
- Loss of earnings
- Vineyards and Wineries
- Contamination of milk
- Identity Fraud
- Collision resulting in death of livestock
- Seasonal coverage
At Knifong Insurance Agency, we will take the time to help you select the right coverages so that you and your farm are fully protected. Contact our team of farm insurance experts today and we will be happy to answer any questions you may have about the many components of farm insurance.